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Republic BancorpRBCAA +1.02%65 Pretax Margin % is 42.61% as of Jun. 2026, which is 28% above its 10-year median of 33.39. GuruFocus rates RBCAA with a GF Score™ of 65/100 and a GF Value™ of $65.37 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,523 Banks companies, Republic Bancorp ranks better than 62.38% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Republic Bancorp Pretax Margin % Related Terms
Republic Bancorp Pretax Margin % Historical Data
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The historical data trend for Republic Bancorp's Pretax Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
RBCAA vs TFIN, GABC, TCBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Republic Bancorp's Pretax Margin %, along with its competitors' market caps and Pretax Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Republic Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Republic Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Republic Bancorp's Pretax Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Republic Bancorp (RBCAA) has a Pretax Margin % of 42.61% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Republic Bancorp and its competitors. This is 28% above median its historical median of 33.39. Over the past decade, Republic Bancorp's Pretax Margin % has ranged from 30.99 to 40.48. According to the industry distribution chart, Republic Bancorp ranks #573 out of 1523 companies in the Banks industry, placing it in the top 37.6%.
Is Republic Bancorp's Pretax Margin % too high?
Republic Bancorp's current Pretax Margin % of 42.61% is 28% above median its 10-year median of 33.39. Over the past 10 years, this metric has ranged from a low of 30.99 to a high of 40.48. The Banks industry median Pretax Margin % is 35.70. Republic Bancorp's value of 42.61% is 19.4% above this industry median. Based on the distribution chart, Republic Bancorp ranks #573 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Republic Bancorp has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bancorp's Pretax Margin % compare to TFIN and GABC?
According to the Banks industry distribution chart, Republic Bancorp ranks #573 out of 1523 companies for Pretax Margin %. This puts Republic Bancorp in the upper half of its industry. The industry median Pretax Margin % is 35.70. Republic Bancorp's value of 42.61% is 19.4% above this benchmark. Historically, Republic Bancorp's own Pretax Margin % has ranged from 30.99 to 40.48 over the past decade. While the company's 10-year median is 33.39 vs. the industry median of 35.70, Republic Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.70, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Republic Bancorp's current Pretax Margin % of 42.61% is 19.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Republic Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Republic Bancorp's current Pretax Margin % is 42.61%, which is 28% above median its own 10-year median of 33.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Republic Bancorp (RBCAA) is currently considered Significantly Overvalued. The stock's GF Value™ is $65.37, compared to a current price of $94.98 — trading 45.3% above its estimated fair value. The current Pretax Margin % is 42.61%, which is 28% above median its 10-year median of 33.39 and 19.4% above the Banks industry median of 35.70. Republic Bancorp's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Republic Bancorp (RBCAA), the current Pretax Margin % is 42.61% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Republic Bancorp (RBCAA) Overvalued in 2026?
Based on GuruFocus' analysis, Republic Bancorp stock appears to be overvalued.
The current stock price of $94.98 is trading 45.3% above its estimated GF Value™ of $65.37.
GuruFocus considers Republic Bancorp to be Significantly Overvalued.
Key valuation signals for RBCAA:
Pretax Margin %: 42.61% (28% above median its 10-year median of 33.39)
GF Value™: $65.37 vs. price of $94.98 (45.3% above fair value)
Industry Position: 19.4% above the Banks median (#573 of 1523)
No single metric tells the full story. See the RBCAA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Republic Bancorp Inc operates as a financial institution that provides both traditional and non-traditional banking products through five reportable segments. It has traditional banking, which generates the majority of revenue, Warehouse Lending, Tax Refund Solutions (TRS), Republic Payment Solutions segment, and Republic Credit Solutions (RCS) business segments. The business activities of these segments include retail mortgage and commercial lending, construction and land development lending, internet lending, correspondent and indirect lending, and also private banking, treasury management services, internet, and mobile banking, bank acquisitions, short-term revolving credit facilities, fixed-term residential real estate loans, and receipt and payment of federal.
65GF Score
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